Convert QIF to CSV Free.
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1. 1Open the free QIF to CSV tool and drop the .qif. The Type header decides whether the rows are treated as a bank account or a credit card; category, class and memorised-payee lists are skipped. The file is not uploaded.
2. 2Each record ending in a caret becomes one row: the D line as the date, T (or U) as the amount, and P, M and N joined as the description, with the cheque or reference number shown as #1042.
3. 3If the dates could be day-first or month-first, choose one. The first date is shown both ways so you can tell which is right; a date such as 25/03/2026 settles it for you.
4. 4Fix any row in the table, set the currency, then download CSV, Excel, a .qbo for QuickBooks or a Xero CSV.

QIF, Quicken Interchange Format, is a plain-text format from the early Quicken releases. A section header such as Type:Bank says what follows; each transaction is a few lines, each starting with a code letter (D date, T amount, P payee, M memo, N number, L category), and a caret on its own line closes the record. There is no account number, no transaction id, no currency, no balance and no declared date order, so 03/04/2026 can be 4 March or 3 April depending on who wrote the file.

A CSV is a flat text table: one line per transaction, fields separated by commas, semicolons or tabs, usually with a header row. Which column holds the date, the description, the amount (or money out and money in) and whether a running balance is present varies by bank, and nothing in the file says which date order it uses. Every spreadsheet and most accounting packages read CSV; QuickBooks Desktop does not.